carnation, thanks for your post. You make some excellent points, and I stand corrected!
And to
ZTAngel, in my opinion, you came to the right place to ask your question. I would venture a guess that others are in the same position as your ZTA friend, and had the same question in their minds. I would say that your friend's situation is a question that would likely arise with all of the 26 NPC groups, not just ZTA.
In the end, perhaps it is best if your ZTA friend contact ZTA Headquarters directly, as ZTA Officers will be able to give you the "official" ZTA response. However, at the same time, I would predict that your friend's daughters and granddaughters will still be considered legacies, regardless of whether her dues have lapsed for whatever reason (be it economic hardship or what have you). Have a good day and tell us how it all works out!